Business Funding Analysis
The financial industry is constantly shifting due to changing regulatory guidelines, customer demands for new services, and an increasing body of research data on best practices. We bring all of this information together for the benefits of our clients. Our industry experience and insight into the evolving landscape of commercial finance makes us exceptionally qualified to assist business owners and decision makers with everything from securing working capital for stat-up businesses, to small business loans, unsecured loans, equipment financing, establishing lines of credit, and much more!
- Small business loans
- Business lines of credit
- Commercial real estate loans
- Accounts receivable financing
- Equipment leasing
- Healthcare financing
- Bridge & hard money loans
Business Financing Solutions
Business Line of Credit
Business line of credit provides flexibility that a regular business loan doesn’t. With a business line of credit, you can borrow up to a certain limit — say, $100,000 — and pay interest only on the portion of money that you borrow. You then draw and repay funds as you wish, as long as you don’t exceed your credit limit.
Unsecured Business Credit Cards
Unsecured business credit cards require no personal guarantee. You have a credit limit, you spend up to that limit, and then you pay back your balance.
Business Loan Terms
A traditional business term loan is a lump sum of capital that you pay back with regular repayments at a fixed interest rate. The “term” in “term loan” comes from its set repayment term length, which will typically be one to five years long. Most business owners use the proceeds of term loans to finance a specific, one-off investment for their small business.
Revenue-based financing (RBF) is a type of small business loan in which your monthly payment increases and decreases based on your revenues. Lenders charge a fixed amount for this growth capital, which generally ranges between 1.35x and 3x the amount borrowed. Loan sizes typically range from $50,000 to $3,000,000
Business Equipment Financing
Equipment financing is the use of a loan or lease to purchase or borrow hard assets for your business. This type of financing might be used to purchase or borrow any physical asset, such a restaurant oven or company car.
Business Accounts Receivable (Invoice) Financing
Accounts receivable financing is a type of asset-financing arrangement in which a company uses its receivables outstanding invoices or money owed by customers to receive financing. The company receives an amount that is equal to a reduced value of the receivables pledged. The receivables’ age largely impacts the amount of financing the company receives.